[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.cortar.cz\/jaky-princip-ma-hypoteka-bez-dokladani-prijmu\/#Article","mainEntityOfPage":"https:\/\/www.cortar.cz\/jaky-princip-ma-hypoteka-bez-dokladani-prijmu\/","headline":"Jak\u00fd princip m\u00e1 hypot\u00e9ka bez dokl\u00e1d\u00e1n\u00ed p\u0159\u00edjm\u016f","name":"Jak\u00fd princip m\u00e1 hypot\u00e9ka bez dokl\u00e1d\u00e1n\u00ed p\u0159\u00edjm\u016f","description":"Ka\u017ed\u00fd z n\u00e1s alespo\u0148 v hloubi du\u0161e sn\u00ed o vlastn\u00edm bydlen\u00ed. A nen\u00ed divu, koneckonc\u016f to m\u00e1 spoustu v\u00fdhod. Av\u0161ak<a class=\"read-more\" href=\"https:\/\/www.cortar.cz\/jaky-princip-ma-hypoteka-bez-dokladani-prijmu\/\">Continue reading<\/a>","datePublished":"2020-01-13","dateModified":"2023-06-05","author":{"@type":"Person","@id":"https:\/\/www.cortar.cz\/author\/#Person","name":"","url":"https:\/\/www.cortar.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/1aa4d33840e2afc29128e2a456d425ca0d17b173c888af2db652b1d34fe6f93d?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/1aa4d33840e2afc29128e2a456d425ca0d17b173c888af2db652b1d34fe6f93d?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"cortar.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.cortar.cz\/wp-content\/uploads\/img_a378828_w3254_t1590056831.png","url":"https:\/\/www.cortar.cz\/wp-content\/uploads\/img_a378828_w3254_t1590056831.png","height":0,"width":0},"url":"https:\/\/www.cortar.cz\/jaky-princip-ma-hypoteka-bez-dokladani-prijmu\/","about":["Finance"],"wordCount":441,"articleBody":"           Ka\u017ed\u00fd z n\u00e1s alespo\u0148 v hloubi du\u0161e sn\u00ed o vlastn\u00edm bydlen\u00ed. A nen\u00ed divu, koneckonc\u016f to m\u00e1 spoustu v\u00fdhod. Av\u0161ak pro mnoho z n\u00e1s to z\u016fstane pouze nedosa\u017eiteln\u00fdm snem. Jin\u00fdm k tomu, aby si jej splnili, pom\u016f\u017ee hypot\u00e9ka. Jedn\u00e1 se o \u00fa\u010delov\u00fd \u00fav\u011br, kter\u00fd je ur\u010den ke koupi \u010di rekonstrukci konkr\u00e9tn\u00ed nemovitosti. Dnes jej na trhu najdeme v mnoha podob\u00e1ch. Jednou z t\u011bch nejobl\u00edben\u011bj\u0161\u00edch je hypot\u00e9ka bez dokl\u00e1d\u00e1n\u00ed p\u0159\u00edjm\u016f. V \u010dem se li\u0161\u00ed od t\u00e9 b\u011b\u017en\u00e9? Pokud \u017e\u00e1d\u00e1te o jakoukoliv p\u016fj\u010dku, v\u010detn\u011b hypot\u00e9ky, mus\u00edte obvykle dolo\u017eit doklad o sv\u00e9m m\u011bs\u00ed\u010dn\u00edm p\u0159\u00edjmu a o zam\u011bstn\u00e1n\u00ed. To se obvykle d\u011bl\u00e1 pomoc\u00ed v\u00fdplatn\u00ed p\u00e1sky a pracovn\u00ed smlouvy. Na z\u00e1klad\u011b t\u011bchto \u00fadaj\u016f v\u00e1m pak banka \u010di finan\u010dn\u00ed spole\u010dnost p\u016fj\u010dku schv\u00e1l\u00ed \u010di nikoliv. D\u011bl\u00e1 to proto, aby se ujistila, \u017ee klient bude schopen spl\u00e1cet. To je pro n\u011b d\u016fle\u017eit\u00e9, koneckonc\u016f jen tak dostanou sv\u00e9 pen\u00edze zp\u011bt. Av\u0161ak u hypot\u00e9ky bez dokl\u00e1d\u00e1n\u00ed p\u0159\u00edjm\u016f tomu tak nen\u00ed. Zde nevy\u017eaduj\u00ed prok\u00e1zat, kolik m\u011bs\u00ed\u010dn\u011b vyd\u011bl\u00e1v\u00e1te, a\u010d si v\u00e1s obvykle prov\u011b\u0159\u00ed v registru dlu\u017en\u00edk\u016f, aby m\u011bli alespo\u0148 n\u011bjakou jistotu, \u017ee nepat\u0159\u00edte mezi chronick\u00e9 neplati\u010de a \u017ee tedy to, co v\u00e1m p\u016fj\u010d\u00ed, dostanou zp\u011bt, v\u010detn\u011b \u00farok\u016f. M\u016f\u017eeme nam\u00edtnout, \u017ee to je i tak pro spole\u010dnost, kter\u00e1 tuto hypot\u00e9ku poskytuje, velk\u00e9 riziko. I to je jeden z d\u016fvod\u016f, pro\u010d jej nemaj\u00ed v nab\u00eddce nap\u0159\u00edklad banky, by\u0165 je velmi obl\u00edben\u00fd. Pro\u010d tedy toto nebezpe\u010d\u00ed firmy podstupuj\u00ed? Jednodu\u0161e proto, \u017ee tak na jejich produkt dos\u00e1hne mnohem \u0161ir\u0161\u00ed klientela, mezi nimi i ti, kte\u0159\u00ed byli nap\u0159\u00edklad v bance odm\u00edtnuti. A mnoho z nich je ochotno sm\u00ed\u0159it se s vy\u0161\u0161\u00edm \u00farokem, jen kdy\u017e jim bude p\u016fj\u010dka schv\u00e1lena. Jist\u011b, valn\u00e1 \u010d\u00e1st t\u011bchto lid\u00ed pravd\u011bpodobn\u011b nebude m\u00edt na spl\u00e1cen\u00ed. Av\u0161ak od toho je tu prov\u011b\u0159ov\u00e1n\u00ed v registru. A pokud ne, p\u0159ijde na \u0159adu exekuce, kde m\u016f\u017ee doj\u00edt a\u017e k zabaven\u00ed p\u0159edm\u011btn\u00e9 nemovitosti a jej\u00edmu prodeji v aukci za vy\u0161\u0161\u00ed cenu, ne\u017e za jakou byla koupena. Jak je vid\u011bt, tak a\u0165 tak \u010di tak, finan\u010dn\u00ed spole\u010dnost, kter\u00e1 hypot\u00e9ku poskytla, na tom jen vyd\u011bl\u00e1.                                                                                                                                                                                                                                                                                                                                                                                          4.5\/5 - (4 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Jak\u00fd princip m\u00e1 hypot\u00e9ka bez dokl\u00e1d\u00e1n\u00ed p\u0159\u00edjm\u016f","item":"https:\/\/www.cortar.cz\/jaky-princip-ma-hypoteka-bez-dokladani-prijmu\/#breadcrumbitem"}]}]